Call reports 2007
1ST FINANCIAL BANK USA — 2007
What 1ST FINANCIAL BANK USA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 271,068,000 | 293,451,000 | 304,186,000 | 316,236,000 |
| Total loans | 86,872,000 | 103,576,000 | 110,895,000 | 112,333,000 |
| Allowance for loan losses | 8,061,000 | 9,181,000 | 10,424,000 | 11,440,000 |
| Securities available for sale | 12,173,000 | 13,973,000 | 23,468,000 | 26,790,000 |
| Securities held to maturity | 25,141,000 | 25,450,000 | 25,495,000 | 25,560,000 |
| Trading assets | 268,000 | 264,000 | 274,000 | 278,000 |
| Total deposits | 170,813,000 | 190,584,000 | 197,421,000 | 202,081,000 |
| Interest-bearing deposits | 164,992,000 | 184,916,000 | 190,687,000 | 193,899,000 |
| Noninterest-bearing deposits | 5,821,000 | 5,668,000 | 6,734,000 | 8,182,000 |
| Equity capital | 64,867,000 | 67,529,000 | 70,670,000 | 74,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 17,380,000 | 33,085,000 | 50,514,000 | 68,209,000 |
| Interest expense | 2,140,000 | 4,341,000 | 6,717,000 | 9,173,000 |
| Net interest income | 15,240,000 | 28,744,000 | 43,797,000 | 59,036,000 |
| Noninterest income | 16,290,000 | 34,790,000 | 54,748,000 | 74,729,000 |
| Noninterest expense | 25,717,000 | 49,442,000 | 75,984,000 | 102,194,000 |
| Provision for loan losses | 1,067,000 | 4,027,000 | 6,978,000 | 9,807,000 |
| Pretax income | 4,746,000 | 10,065,000 | 15,583,000 | 21,764,000 |
| Income tax | 1,749,000 | 3,801,000 | 5,890,000 | 8,234,000 |
| Net income | 2,997,000 | 6,264,000 | 9,693,000 | 13,530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,985,000 | 62,243,000 | 63,992,000 | 66,049,000 |
| Total capital | 67,085,000 | 68,504,000 | 70,547,000 | 72,777,000 |
| Risk-weighted assets | 271,025,000 | 285,936,000 | 310,368,000 | 321,909,000 |